@bvideo.creat: witch filter effect #CapCut #capcutpioneer #pioneertemplate #pioneersea #aieffect

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Thursday 29 October 2026 11:07:27 GMT
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analizajoy22
@Anzz_22 :
mona alawi
2026-10-29 14:35:43
38
donnette1485
Donnette1485 :
paano po gumawa
2026-10-30 12:34:16
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maegonzaga8
Mae Olshoppe :
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2026-10-30 11:08:19
2
yourunbreaka_belle
BeeLaElle-❤️ :
that’s Mona😍😍😍
2026-10-30 11:06:13
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carenmejascotorre
carenmejascotorre :
ganda bagay
2026-10-30 13:21:18
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luisamorillo430
Luisa :
happy hollowin
2026-10-30 13:15:15
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avilajhoy6
🇸🇦🇸🇦💙Avila jhoy💗🇵🇭🇵🇭 :
2026-10-29 20:29:33
3
miamore5029
MiaMore :
kahawig ni Mona alawi
2026-10-29 14:43:57
9
virgelbulanteinot
Inot15 :
wow
2026-10-30 06:53:30
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anzkie0625
Ms. Jo 🧿 :
ganda
2026-10-29 13:25:36
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monika6n7
#𝐌𝐎𝐍𝐢𝐊𝐀++ :
wow po
2026-10-30 10:30:06
1
maria52jpn
maria :
綺麗😍
2026-10-29 16:55:29
4
ginalyn.santos0
✨🧿 JOJO'S MOMMY 🧿✨ :
pretty
2026-10-30 05:27:44
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bee_lot11
Bee :
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2026-10-30 04:30:16
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bnb.tiktok
Mamshiie En :
wow
2026-10-30 04:23:45
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asnifahmama
Asnifah M. Mama :
Wow
2026-10-30 00:36:08
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gay960995
mommy gay :
wow
2026-10-30 04:57:20
2
ms.king.22
Ms king🪬🛍 :
wow
2026-10-30 01:30:45
1
maica.sinangote
mic :
Ang Ganda
2026-10-30 00:14:28
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thatgirl.revz
Thatgirl.revz :
Mona alawi
2026-10-30 05:31:23
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user61795977618182
Jannet Mendoza :
Wow pretty
2026-10-29 14:09:12
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queenn_0093
Queenn :
wow
2026-10-30 00:15:01
5
annienhs
Napi :
s
2026-10-30 03:20:50
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avilajhoy6
🇸🇦🇸🇦💙Avila jhoy💗🇵🇭🇵🇭 :
nice
2026-10-29 20:30:19
4
maisychuchu
Judith_ vlog :
Wow Ganda naman
2026-10-30 08:47:43
2
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How much does having kids REALLY cost your retirement? We simulated 40 years of investing, compound interest, childcare expenses, college tuition, taxes, and debt to calculate how family size affects long-term wealth. The results are staggering. FINAL NET WEALTH AT AGE 65: 0 Kids: $12,721,228 1 Kid: $9,418,958 2 Kids: $6,739,409 3 Kids: $3,734,584 4 Kids: $1,823,289 5 Kids: $61 10 Kids: -$3,722,062 A difference of over $16 MILLION between having no children and having 10. HOW THE SIMULATION WORKS: We modeled the same married couple from September 1986 to September 2026, starting at age 25 and retiring at 65. Both parents work full-time, with combined annual income ranging from $120,640 to $149,344 based on age-specific earnings assumptions. The first child arrives at age 26, with additional children every two years. Annual household living expenses start at $60,000, excluding child-related costs. CHILD-REARING COSTS: Ages 0–4: $22,184/year Ages 5–12: $14,000/year Ages 13–17: $18,000/year College: $15,495/year per child for four years. Shared living-expense discounts and additional housing costs are included for larger families. TAXES: Modeled 2026 federal income tax brackets, child tax credits, childcare credits, education credits, payroll taxes, and an assumed 4% state/local tax rate. INVESTING: Monthly historical S&P 500 returns using Robert Shiller's historical data and actual SPY adjusted prices. Returns are adjusted for CPI inflation, with missing observations estimated. BORROWING: Positive cash flow is invested. Deficits reduce accumulated wealth, then create debt at an assumed 8% nominal annual interest rate. Future surpluses repay debt before investing resumes. All results are expressed in inflation-adjusted dollars. September 2026 data is provisional. IMPORTANT: This is a hypothetical financial simulation, not a prediction. It assumes both parents remain employed and can borrow indefinitely at the modeled rate. It measures financial opportunity cost, not the personal value of having children. How many kids would you want, knowing these assumptions? #RetirementPlanning #CostOfRaisingKids #Investing #PersonalFinance #CompoundInterest
How much does having kids REALLY cost your retirement? We simulated 40 years of investing, compound interest, childcare expenses, college tuition, taxes, and debt to calculate how family size affects long-term wealth. The results are staggering. FINAL NET WEALTH AT AGE 65: 0 Kids: $12,721,228 1 Kid: $9,418,958 2 Kids: $6,739,409 3 Kids: $3,734,584 4 Kids: $1,823,289 5 Kids: $61 10 Kids: -$3,722,062 A difference of over $16 MILLION between having no children and having 10. HOW THE SIMULATION WORKS: We modeled the same married couple from September 1986 to September 2026, starting at age 25 and retiring at 65. Both parents work full-time, with combined annual income ranging from $120,640 to $149,344 based on age-specific earnings assumptions. The first child arrives at age 26, with additional children every two years. Annual household living expenses start at $60,000, excluding child-related costs. CHILD-REARING COSTS: Ages 0–4: $22,184/year Ages 5–12: $14,000/year Ages 13–17: $18,000/year College: $15,495/year per child for four years. Shared living-expense discounts and additional housing costs are included for larger families. TAXES: Modeled 2026 federal income tax brackets, child tax credits, childcare credits, education credits, payroll taxes, and an assumed 4% state/local tax rate. INVESTING: Monthly historical S&P 500 returns using Robert Shiller's historical data and actual SPY adjusted prices. Returns are adjusted for CPI inflation, with missing observations estimated. BORROWING: Positive cash flow is invested. Deficits reduce accumulated wealth, then create debt at an assumed 8% nominal annual interest rate. Future surpluses repay debt before investing resumes. All results are expressed in inflation-adjusted dollars. September 2026 data is provisional. IMPORTANT: This is a hypothetical financial simulation, not a prediction. It assumes both parents remain employed and can borrow indefinitely at the modeled rate. It measures financial opportunity cost, not the personal value of having children. How many kids would you want, knowing these assumptions? #RetirementPlanning #CostOfRaisingKids #Investing #PersonalFinance #CompoundInterest

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